Microloan Officer

Our client is a growing lending organisation focused on providing accessible financing solutions to entrepreneurs, small businesses, and microbusiness owners.

The organisation is seeking proactive, resilient, and customer-focused Microloan Officers to source, onboard, assess, and manage daily-loan clients. Successful candidates will be responsible for growing their assigned customer portfolios, supporting loan disbursement, monitoring loan utilisation, and ensuring prompt collections.

This role is ideal for candidates who enjoy fieldwork, client engagement, business development, and working in a fast-paced, target-driven environment.

• Identify, prospect, and onboard eligible microloan clients within assigned locations.
  
• Conduct client business verification, basic credit assessment, and documentation checks.
  
• Support clients through loan application, approval, and disbursement processes.
  
• Manage assigned client portfolios and maintain regular contact with borrowers.
  
• Monitor loan utilisation and identify potential repayment risks early.
  
• Follow up actively on repayments to ensure collections are made as and when due.
  
• Maintain accurate records of client interactions, applications, disbursements, collections, and loan performance.
  
• Achieve assigned weekly and monthly loan-disbursement and recovery targets.
  
• Build positive customer relationships and encourage repeat business from eligible clients.
  
• Escalate repayment concerns, client complaints, documentation gaps, and fraud-risk indicators promptly.
  
• Represent the organisation professionally during all client, market, and field engagements.
  

• Minimum of OND or NCE in any discipline.
  
• Between 0 and 2 years’ experience in microfinance, lending, field sales, direct sales, collections, customer acquisition, or a related role.
  
• Experience within a microfinance bank, lending company, cooperative, FMCG field-sales role, or customer-acquisition role is an advantage.
  
• Strong communication, interpersonal, negotiation, and customer-service skills.
  
• Comfortable with fieldwork, client visits, daily follow-up, and target-based work.
  
• High level of resilience, integrity, accountability, and attention to detail.
  
• Basic knowledge of loan processes, client documentation, repayment follow-up, and customer management is an advantage.
  
• Candidates resident in, or able to commute conveniently to, Ibeju-Lekki and surrounding locations will have an advantage.
  

• Achievement of assigned weekly and monthly client-acquisition and loan-disbursement targets.
  
• Strong loan-repayment and collection performance across assigned clients.
  
• Quality of client onboarding, documentation, and verification.
  
• Accuracy and timeliness of client records, field reports, and portfolio updates.
  
• Positive customer experience, retention, and professional representation of the organisation.